Terms at a glance
| Product model | Centralized |
|---|---|
| Advertised rate | 10.5% · Published interest rate |
| Rate conditions | Interest rate on the borrowing page; account membership is a separate cost to evaluate. |
| Collateral | BTC |
| LTV | Up to 40% |
| Term / structure | 30, 90, 180 or 365 days shown |
| Funding | USD |
| Collateral model | Xapo collateral vaults; states no rehypothecation |
| Fees | No arrangement, setup, closure or liquidation fees stated |
Source: Xapo documentation. Figures describe the reviewed product, not an offer available to every borrower. See rate-source notes for documented discrepancies.
What to weigh up
Why borrowers consider it
Up to 40% LTV, flexible payments within the term and a stated no-rehypothecation policy.
Tradeoffs and responsibilities
Membership and eligibility affect the total cost and access. Crypto collateral is not covered by the deposit guarantee scheme.
Common questions about Xapo
These answers cover borrowing costs, collateral and repayment. Eligibility and the signed agreement determine the terms of an actual loan.
What is Xapo and how does borrowing work?
Xapo places Bitcoin-backed borrowing inside a membership-based account experience, with a lower maximum starting LTV than many alternatives.
What rate does Xapo charge?
The reviewed source shows 10.5% (published interest rate). Interest rate on the borrowing page; account membership is a separate cost to evaluate.
Which collateral can I use with Xapo?
The documented collateral is BTC. Up to 40%. Supported assets and limits must match the specific product and account offer.
Who controls collateral with Xapo?
The documented model is: Xapo collateral vaults; states no rehypothecation. Membership and eligibility affect the total cost and access. Crypto collateral is not covered by the deposit guarantee scheme.
How long can I borrow and what can I receive?
The documented term or structure is: 30, 90, 180 or 365 days shown. Funding is described as USD. Confirm the repayment asset and schedule before borrowing; a crypto payout may require a separate conversion to pay a fiat expense.
What fees should I include in a Xapo quote?
No arrangement, setup, closure or liquidation fees stated. Compare net proceeds and the payoff amount on your planned repayment date. Avoid adding a charge twice if it is already included in APR.
Does a 40% starting LTV prevent liquidation?
No. It provides more initial collateral per dollar borrowed, but falling prices, interest and failure to repay can still lead to collateral sales.
Can I lose collateral when borrowing through Xapo?
Yes. Collateral-price declines, interest accrual or failure to meet repayment obligations can lead to collateral sales under the applicable rules. Custody, counterparty, smart-contract and operational risks depend on the product. Keep a repayment and collateral-management plan; no rate or starting LTV makes a loan risk-free.
Sources and further reading
These answers summarize the dated research used throughout this site. They do not reflect hands-on borrowing tests or a live rate feed. Read the methodology.